What is No Load Life Insurance?

Traditional No Load Life Insurance policies carry expenses that are built into premiums and used to cover everything from agent commissions and bonuses to advertising and marketing costs.

Usually, the "load" is equal to most or all of the premiums you pay in the first and second year of your life insurance policy.

There is a way to get around paying high loads or expenses. You can buy a No Load or Low Load life insurance policy. A low-load life insurance policy has fewer expenses, which means lower premiums in most instances.

However, not everyone is aware the option for no load life insurance is available. And many who do know may think it sounds "too good to be true." But it's not.

How can you buy No-load life insurance?

Directly from the life insurance companies that offer these policies.

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What is No Load Life Insurance?